I forgot about the gas station issue, also happens with hotels and rental cars. It's not technically a withdrawal, the money stays there, but it is a hold on your money preventing you from spending it which will cause the overdraft fees when you spend money you think you have (and technically you do) but can't spend because it's been held for a week by a gas station. At times I've tried to go all debit card for spending (as a way to kind of "reset" myself when I've let my spending get out of hand). But gas stations will always go on my CC because of this issue. Local ones here put a $99 hold on my cards, typically, and they usually stay on there for 3-5 days.